Direct credit indicators remain incomplete, but this quarter shows a notable split: credit cost rose to 1.69% while reserve buffer also edged up to 3.52%.
Reserve buffer on gross loans is around 3.52%. LDR stands at 94.7%.
Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.
Key signals
Credit cost
1.69%
+0.3pp
Reserve / Gross loans
3.52%
+0.3pp
LDR
94.7%
+2.5pp
2026Q1
Is interest margin sustainable?
Interest Margin Quality
▼
Is spread coming under pressure?
Spread deserves closer monitoring because funding cost is already at 4.24%, even if pressure is not yet as severe as in clearer compression cases.
In the period, NIM reached 3.31%, −0.4pp YoY; asset yield was 7.56%, +0.1pp; while funding cost was 4.24%, +0.5pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.
Watchpoints
Funding cost is elevated
Funding cost is 4.24%, pressuring net interest margin.
Key signals
NIM
3.31%
−0.4pp
Asset yield
7.56%
+0.1pp
Funding cost
4.24%
+0.5pp
2026Q1
Earnings Mix
▲▲
Is profit coming from core or supporting income sources?
Earnings remain primarily core-led, with NII contributing around 81.3% of total operating income. More broadly, the revenue mix is becoming less anchored in core income, as the share of net interest income declines without a clear enough offset from fee income.
Nii accounts for 81.3% of toi, fee income is 9.7% of toi, other income is 5.3% of toi, cir stands at 39.4%, net profit equals 14.6% of toi.
Watchpoints
Income mix quality deteriorating
Net interest income share is declining while fee income does not offset enough or other income rises, making the revenue mix less anchored in core income.
Key signals
NII / TOI
81.3%
−2.0pp
Fee / TOI
9.7%
+0.1pp
Other income / TOI
5.3%
+1.4pp
CIR
39.4%
−1.3pp
2026Q1
Is liquidity safe?
Funding & Liquidity
●
Are funding and capital buffers sufficiently safe?
Funding and liquidity look more balanced, with LDR at 94.7% while customer funding share is improving.
Ldr stands at 94.7%, equity equals 7.2% of assets, customer funding accounts for 78.7% of interest-bearing funding, market funding accounts for 21.3%.
Key signals
LDR
94.7%
+2.5pp
Equity / Assets
7.2%
+0.6pp
Customer funding
78.7%
+2.7pp
Market funding
21.3%
−2.7pp
2026Q1
Profitability Quality
▼▼
What is sustaining current profitability?
Profitability should be watched more closely, with ROAA at 0.57% and ROAE at 7.75%.
Net income on average earning assets is 0.59%, nim stands at 3.31%, credit cost is 1.69%, cir stands at 39.4%, average leverage is around 13.55 times.
Watchpoints
ROAA is low
ROAA stands at 0.57%, suggesting returns on assets are still soft.
ROAE should be watched
ROAE currently stands at 7.75%.
Key signals
ROAA
0.57%
−0.1pp
ROAE
7.75%
−2.6pp
NI / Avg EA
0.59%
−0.1pp
Quarterly provision
VND 2,024bn
−78.1% QoQ
2026Q1
Investment Takeaway
STB bank investment takeaway — provision dominated. [Placeholder for EN translation.]
[Placeholder for EN evidence line 1.]
[Placeholder for EN evidence line 2.]
[Placeholder for EN conclusion.]
Statement Data
Item
2025
2024
Interest Income and Similar Income
57,480.9
49,988.7
Interest Expense and Similar Expenses
30,800.2
25,457.0
Net Interest Income
26,680.6
24,531.7
Fee and Commission Income
6,331.5
6,121.2
Fee and Commission Expenses
3,253.0
3,142.8
Net Fee and Commission Income
3,078.5
2,978.4
Net Gain/(Loss) from Foreign Currencies and Gold Trading
1,022.4
1,105.7
Net Gain/(Loss) from Investment Securities
-8.7
55.5
Other Income
1,744.6
369.0
Other Expenses
481.0
367.9
Net Other Income
1,263.6
1.1
Income from Capital Contribution and Long-term Investments
20.2
4.6
Operating Expenses
13,044.9
13,982.4
Operating Profit before Provision for Credit Losses
19,011.8
14,694.7
Provision for Credit Losses
11,383.8
1,974.4
Profit Before Tax
7,628.0
12,720.4
Current Corporate Income Tax Expense
1,701.1
2,787.7
Deferred Income Tax Expense
-12.2
-154.9
Corporate Income Tax
1,688.9
2,632.9
Net Profit After Tax
5,939.1
10,087.5
Net Profit Attributable to the Equity Holders of the Bank
5,939.1
10,087.5
Earnings per Share
3,150.00
5,351.00
Item
2025
2024
Cash, Gold and Precious Stones
5,401.6
8,214.7
Balances with the State Bank of Vietnam
18,059.3
17,644.2
Placements at and Loans to Other Credit Institutions
172,510.0
88,241.2
Placements at Other Credit Institutions
171,011.8
80,634.2
Loans to Other Credit Institutions
1,498.2
7,606.9
Derivatives and Other Financial Assets
235.0
—
Loans, Advances and Finance Leases to Customers
606,336.4
530,448.0
Loans, Advances and Finance Leases to Customers (Gross)
626,392.3
539,314.7
Provision for Losses on Loans, Advances and Finance Leases to Customers
-20,055.9
-8,866.7
Investment Securities
92,129.7
85,648.2
Available-for-sale Securities
33,048.4
23,555.0
Held-to-maturity Securities
67,177.9
75,363.2
Provision for Diminution in Value of Investment Securities
-8,096.5
-13,270.0
Capital Contribution and Other Long-term Investments
82.0
82.2
Other Long-term Investments
96.6
96.6
Provision for Diminution in Value of Long-term Investments
-14.7
-14.4
Fixed Assets
7,044.6
7,355.1
Tangible Fixed Assets
4,132.3
4,375.2
Tangible Fixed Assets Cost
9,174.4
8,871.2
Accumulated Depreciation of Tangible Fixed Assets
-5,042.1
-4,496.0
Intangible Fixed Assets
2,912.3
2,979.9
Intangible Fixed Assets Cost
5,119.2
5,004.0
Accumulated Depreciation of Intangible Fixed Assets
-2,206.9
-2,024.1
Investment Properties
14.5
—
Investment Properties Cost
39.2
—
Other Assets
15,306.8
10,461.0
Accounts Receivables
10,154.5
6,728.0
Interest and Fee Receivables
5,668.8
5,239.6
Deferred Income Tax Assets
552.7
542.5
Other Assets (Miscellaneous)
2,522.7
1,488.5
Provision for Risks in Other Assets
-3,591.9
-3,537.4
Total Assets
917,119.8
748,094.5
Due to Government and Borrowings from the State Bank of Vietnam
22,246.9
54.3
Placements and Borrowings from Other Credit Institutions
156,037.1
70,655.3
Placements from Other Credit Institutions
152,125.0
61,323.3
Borrowings from Other Credit Institutions
3,912.1
9,332.0
Deposits from Customers
618,341.7
566,881.8
Derivatives and Other Financial Liabilities
—
54.0
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans
568.7
449.0
Valuable Papers Issued
39,184.7
36,753.5
Other Liabilities
20,874.0
18,274.6
Interest and Fee Payables
11,245.7
8,510.4
Other Liabilities (Miscellaneous)
9,463.7
9,710.3
Total Liabilities
857,253.1
693,122.5
Capital and Reserves
59,866.7
54,972.1
Capital
20,601.6
20,601.6
Charter Capital
18,852.2
18,852.2
Share Premium
1,747.7
1,747.7
Other Capital
0.7
0.7
Reserves
8,024.3
6,082.6
Foreign Exchange Differences
-53.4
-138.2
Undistributed Earnings after Tax/Accumulated Loss
31,294.2
28,426.1
Total Liabilities and Equity
917,119.8
748,094.5
Item
2025
2024
Receipts from Interest and Similar Income
57,659.1
50,959.8
Payments for Interest and Similar Expenses
-28,105.5
-28,309.0
Receipts from Fee and Commission Income
3,080.5
2,980.4
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities
1,055.3
1,309.3
Receipts from Other Income
-262.4
-215.2
Receipts from Collection of Written-off Debts
1,406.4
111.6
Payments for Staff Costs and Operating Expenses
-13,382.1
-12,242.7
Corporate Income Tax Paid
-2,773.2
-2,541.5
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities
18,678.1
12,052.8
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions
6,108.7
-7,388.4
(Increase)/Decrease in Trading Securities and Investment Securities
-1,899.0
-10,356.9
(Increase)/Decrease in Derivatives and Other Financial Assets
-289.0
-37.5
(Increase)/Decrease in Loans and Advances to Customers
-87,041.6
-56,589.9
(Decrease)/Increase in Provisions for Damages
-5,402.4
-2,061.3
(Increase)/Decrease in Other Operating Assets
-3,659.0
2,776.8
Increase/(Decrease) in Due to Government and Borrowings from State Bank
22,192.7
34.9
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions
85,477.6
34,335.9
Increase/(Decrease) in Deposits from Customers
51,459.9
56,137.4
Increase/(Decrease) in Valuable Papers Issued
6,250.1
9,220.3
Increase/(Decrease) in Funds Received from Government and Institutions
119.7
125.9
Increase/(Decrease) in Other Operating Liabilities
887.1
979.1
Payments from Reserves
-404.8
-864.1
Net Cash Flows from Operating Activities
92,478.0
38,365.2
Purchase of Fixed Assets
-926.1
-1,015.9
Receipts from Disposal of Fixed Assets
141.5
2.9
Dividends and Profit Received
20.2
4.6
Net Cash Flows from Investing Activities
-764.3
-1,007.9
Receipts from Issue of Valuable Papers and Other Long-term Borrowings
509.0
1,809.6
Dividends Paid and Profits Distributed to Owners
—
-0.0
Net Cash Flows from Financing Activities
-3,818.9
-1,459.3
Net Cash Flows during the Period
87,894.7
35,898.1
Cash and Cash Equivalents at Beginning of the Period
106,493.1
70,507.7
Exchange Difference due to Re-valuation of Ending Balances
84.8
87.3
Cash and Cash Equivalents at End of the Period
194,472.6
106,493.1
Item
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
Q1'24
Interest Income and Similar Income
15,151.5
14,027.1
15,946.9
13,858.0
13,648.9
12,600.5
12,521.4
12,381.8
12,485.0
Interest Expense and Similar Expenses
9,109.5
8,669.1
8,072.5
7,272.9
6,785.7
6,501.3
6,156.3
6,265.2
6,534.2
Net Interest Income
6,042.0
5,358.0
7,874.4
6,585.1
6,863.2
6,099.2
6,365.1
6,116.6
5,950.8
Fee and Commission Income
1,552.4
1,659.2
1,521.8
1,717.2
1,433.3
1,725.2
1,534.9
1,503.9
1,357.3
Fee and Commission Expenses
802.8
900.8
848.6
798.1
705.5
761.5
778.9
823.4
779.0
Net Fee and Commission Income
749.6
758.3
673.2
919.1
727.8
963.7
756.0
680.5
578.3
Net Gain/(Loss) from Foreign Currencies and Gold Trading
339.4
294.5
193.5
226.7
307.6
275.1
217.5
305.5
307.6
Net Gain/(Loss) from Investment Securities
75.2
-11.6
-0.2
1.7
1.4
10.1
6.2
17.4
21.8
Other Income
351.5
1,366.7
119.3
121.0
137.6
170.0
58.7
70.7
69.6
Other Expenses
27.9
78.6
67.5
93.7
241.2
108.9
169.4
36.4
53.3
Net Other Income
323.5
1,288.1
51.7
27.3
-103.6
61.1
-110.7
34.3
16.3
Income from Capital Contribution and Long-term Investments
8.3
7.0
3.8
9.4
—
0.9
3.7
—
—
Operating Expenses
3,408.0
1,822.3
4,095.6
3,199.8
3,927.1
3,150.9
3,287.5
4,001.0
3,542.9
Operating Profit before Provision for Credit Losses
4,130.1
5,872.0
4,700.9
4,569.6
3,869.3
4,259.1
3,950.4
3,153.3
3,331.9
Provision for Credit Losses
2,023.9
9,232.2
1,044.0
912.3
195.3
-367.3
1,198.7
465.3
677.7
Profit Before Tax
2,106.2
-3,360.1
3,656.9
3,657.2
3,674.0
4,626.4
2,751.7
2,688.0
2,654.2
Current Corporate Income Tax Expense
521.8
-595.5
755.6
763.6
777.3
1,183.1
550.6
511.2
542.8
Deferred Income Tax Expense
—
-12.2
—
—
—
-154.9
—
—
—
Corporate Income Tax
521.8
-607.7
755.6
763.6
777.3
1,028.3
550.6
511.2
542.8
Net Profit After Tax
1,584.4
-2,752.5
2,901.3
2,893.6
2,896.7
3,598.1
2,201.2
2,176.8
2,111.4
Net Profit Attributable to the Equity Holders of the Bank
1,584.4
-2,752.5
2,901.3
2,893.6
2,896.7
3,598.1
2,201.2
2,176.8
2,111.4
Earnings per Share
2,454.00
—
—
—
5,767.00
—
—
—
4,206.00
Item
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
Q1'24
Cash, Gold and Precious Stones
5,956.9
5,401.6
9,149.1
8,185.1
8,497.7
8,214.7
8,901.4
7,051.3
8,487.6
Balances with the State Bank of Vietnam
16,458.8
18,059.3
17,820.5
17,032.5
16,074.6
17,644.2
15,450.8
14,973.9
15,798.2
Placements at and Loans to Other Credit Institutions
113,659.7
172,510.0
117,154.9
100,602.3
76,157.7
88,241.2
60,285.0
71,385.7
56,985.7
Placements at Other Credit Institutions
113,369.4
171,011.8
110,764.9
100,272.8
75,662.9
80,634.2
60,086.4
71,202.3
56,766.3
Loans to Other Credit Institutions
290.4
1,498.2
6,390.0
329.5
494.8
7,606.9
198.6
183.4
219.5
Derivatives and Other Financial Assets
1.1
235.0
55.2
—
—
—
35.7
138.2
—
Loans, Advances and Finance Leases to Customers
604,877.7
606,336.4
590,505.8
577,042.0
553,760.8
530,448.0
515,738.6
507,883.1
492,140.5
Loans, Advances and Finance Leases to Customers (Gross)
626,959.8
626,392.3
606,048.2
587,960.0
564,327.2
539,314.7
525,493.4
516,634.8
500,408.3
Provision for Losses on Loans, Advances and Finance Leases to Customers
-22,082.1
-20,055.9
-15,542.4
-10,918.0
-10,566.4
-8,866.7
-9,754.7
-8,751.7
-8,267.9
Investment Securities
95,862.5
92,129.7
94,107.1
84,045.0
84,005.9
85,648.2
82,871.5
86,118.1
75,698.2
Available-for-sale Securities
38,998.5
33,048.4
29,695.8
19,625.9
21,735.0
23,555.0
22,674.9
26,081.1
20,617.7
Held-to-maturity Securities
64,960.5
67,177.9
72,551.8
76,134.0
74,040.8
75,363.2
73,855.7
74,613.3
69,664.7
Provision for Diminution in Value of Investment Securities
-8,096.5
-8,096.5
-8,140.6
-11,714.9
-11,770.0
-13,270.0
-13,659.1
-14,576.3
-14,584.2
Capital Contribution and Other Long-term Investments
82.0
82.0
82.1
82.1
82.2
82.2
82.2
82.2
82.6
Other Long-term Investments
96.6
96.6
96.6
96.6
96.6
96.6
96.6
96.6
97.0
Provision for Diminution in Value of Long-term Investments
-14.7
-14.7
-14.5
-14.5
-14.4
-14.4
-14.4
-14.4
-14.4
Fixed Assets
7,007.0
7,044.6
7,110.5
7,205.6
7,357.5
7,355.1
7,384.6
7,273.4
7,376.1
Tangible Fixed Assets
4,100.7
4,132.3
4,176.7
4,269.8
4,373.0
4,375.2
4,360.0
4,295.1
4,352.8
Tangible Fixed Assets Cost
9,262.9
—
—
—
—
—
—
—
—
Accumulated Depreciation of Tangible Fixed Assets
-5,162.2
—
—
—
—
—
—
—
—
Intangible Fixed Assets
2,906.2
2,912.3
2,933.8
2,935.9
2,984.5
2,979.9
3,024.6
2,978.3
3,023.2
Intangible Fixed Assets Cost
5,129.3
—
—
—
—
—
—
—
—
Accumulated Depreciation of Intangible Fixed Assets
-2,223.1
—
—
—
—
—
—
—
—
Investment Properties
14.0
14.5
15.0
15.5
—
—
—
—
—
Investment Properties Cost
39.2
—
—
—
—
—
—
—
—
Other Assets
15,651.9
15,306.8
12,941.7
13,129.0
11,156.9
10,461.0
12,235.8
22,406.8
36,965.7
Accounts Receivables
8,969.0
10,154.5
8,207.0
8,676.2
7,230.7
6,728.0
8,391.9
18,813.2
32,910.8
Interest and Fee Receivables
6,571.1
5,668.8
5,707.7
4,696.3
5,486.7
5,239.6
5,680.1
5,517.9
5,503.6
Deferred Income Tax Assets
552.8
552.7
544.4
542.7
542.5
542.5
387.1
387.4
398.3
Other Assets (Miscellaneous)
3,099.9
2,522.7
2,069.3
2,760.9
1,434.6
1,488.5
1,327.1
1,241.3
1,267.8
Provision for Risks in Other Assets
-3,540.9
-3,591.9
-3,586.7
-3,547.1
-3,537.5
-3,537.4
-3,550.4
-3,553.0
-3,114.8
Total Assets
859,571.5
917,119.8
848,942.0
807,339.2
757,093.3
748,094.5
702,985.6
717,312.8
693,534.6
Due to Government and Borrowings from the State Bank of Vietnam
12,329.6
22,246.9
325.2
5,246.9
4,336.2
54.3
48.6
2,835.0
18.7
Placements and Borrowings from Other Credit Institutions
124,488.5
156,037.1
82,473.8
60,687.0
56,408.3
70,655.3
32,209.1
51,334.0
40,646.9
Placements from Other Credit Institutions
113,442.8
152,125.0
74,348.5
57,569.0
53,415.2
61,323.3
27,673.8
48,718.1
36,896.2
Borrowings from Other Credit Institutions
11,045.7
3,912.1
8,125.3
3,118.0
2,993.1
9,332.0
4,535.4
2,615.9
3,750.7
Deposits from Customers
600,789.0
618,341.7
641,102.1
624,314.8
585,569.3
566,881.8
566,724.1
549,184.4
533,358.5
Derivatives and Other Financial Liabilities
—
—
—
28.4
275.5
54.0
—
—
183.4
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans
564.9
568.7
512.5
511.4
473.5
449.0
363.1
331.6
368.9
Valuable Papers Issued
38,162.5
39,184.7
38,779.0
36,558.7
34,031.8
36,753.5
34,706.8
37,855.0
31,828.8
Other Liabilities
21,760.4
20,874.0
23,044.7
20,170.9
18,136.3
18,274.6
17,653.4
26,695.0
39,220.4
Interest and Fee Payables
11,479.1
11,245.7
10,599.1
9,400.5
9,057.4
8,510.4
8,249.6
8,470.8
10,177.5
Other Liabilities (Miscellaneous)
10,118.7
9,463.7
12,390.9
10,715.7
9,024.7
9,710.3
9,351.2
18,172.5
28,988.7
Total Liabilities
798,094.9
857,253.1
786,237.3
747,518.0
699,230.9
693,122.5
651,705.1
668,234.8
645,625.6
Capital and Reserves
61,476.6
59,866.7
62,704.8
59,821.2
57,862.4
54,972.1
51,280.5
49,077.9
47,909.0
Capital
20,601.6
20,601.6
20,601.6
20,601.6
20,601.6
20,601.6
20,601.6
20,601.6
20,601.6
Charter Capital
18,852.2
18,852.2
18,852.2
18,852.2
18,852.2
18,852.2
18,852.2
18,852.2
18,852.2
Share Premium
1,747.7
1,747.7
1,747.7
1,747.7
1,747.7
1,747.7
1,747.7
1,747.7
1,747.7
Other Capital
0.7
0.7
0.7
0.7
0.7
0.7
0.7
0.7
0.7
Reserves
8,024.3
8,024.3
8,024.5
8,024.5
6,082.6
6,082.6
6,080.5
6,080.5
4,971.2
Foreign Exchange Differences
-43.1
-53.4
28.1
46.7
-148.6
-138.2
-231.7
-233.1
-159.8
Undistributed Earnings after Tax/Accumulated Loss
32,893.7
31,294.2
34,050.7
31,148.4
31,326.8
—
24,830.2
22,629.0
22,496.0
Minority Interest
—
—
—
—
—
28,426.1
—
—
—
Total Liabilities and Equity
859,571.5
917,119.8
848,942.0
807,339.2
757,093.3
748,094.5
702,985.6
717,312.8
693,534.6
Item
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
Q1'24
Receipts from Interest and Similar Income
14,601.5
14,318.8
14,838.3
14,877.9
13,624.1
13,298.3
12,437.4
12,446.6
12,777.4
Payments for Interest and Similar Expenses
-8,882.2
-8,041.5
-6,878.7
-6,942.2
-6,243.1
-5,983.0
-6,297.9
-7,855.2
-8,172.8
Receipts from Fee and Commission Income
750.1
758.8
673.7
919.6
728.3
964.1
756.5
681.0
578.8
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities
354.4
363.3
302.5
136.0
253.5
302.7
184.3
262.1
560.2
Receipts from Other Income
13.5
-28.2
-36.0
-17.2
-180.9
-179.4
-31.9
9.5
-13.4
Receipts from Collection of Written-off Debts
308.7
1,274.5
56.9
44.4
30.6
37.2
20.2
24.8
29.4
Payments for Staff Costs and Operating Expenses
-3,367.3
-2,925.0
-2,903.3
-2,766.2
-4,787.6
-3,218.1
-2,633.2
-2,450.3
-3,941.1
Corporate Income Tax Paid
-114.5
-50.9
-761.6
-732.7
-1,228.1
-554.0
-507.4
-533.0
-947.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities
3,664.1
5,669.7
5,291.8
5,519.7
2,196.8
4,667.9
3,928.0
2,585.5
871.4
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions
1,207.9
4,891.8
-6,060.6
165.3
7,112.1
-7,408.4
-15.1
36.0
-0.9
(Increase)/Decrease in Trading Securities and Investment Securities
-4,041.5
1,729.4
-6,487.7
-131.3
2,990.7
-2,652.5
3,456.9
-9,577.5
-1,583.8
(Increase)/Decrease in Derivatives and Other Financial Assets
233.9
-179.8
-83.6
-247.2
221.5
89.7
102.5
-229.6
—
(Increase)/Decrease in Loans and Advances to Customers
-567.5
-20,344.1
-18,060.0
-23,586.4
-25,051.1
-13,844.9
-8,857.0
-16,233.2
-17,654.8
(Decrease)/Increase in Provisions for Damages
—
-4,773.3
-0.8
-628.3
0.0
-947.3
-1,096.2
-0.0
-17.8
(Increase)/Decrease in Other Operating Assets
519.7
-1,964.8
896.7
-1,937.7
-653.3
1,049.8
-21,707.2
14,423.6
9,010.7
Increase/(Decrease) in Due to Government and Borrowings from State Bank
-9,917.3
21,921.7
-4,921.7
910.7
4,282.0
5.6
-2,786.3
2,816.3
-0.6
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions
-31,548.6
73,566.4
21,789.4
4,285.7
-14,163.8
38,937.3
-18,880.6
11,190.0
3,089.2
Increase/(Decrease) in Deposits from Customers
-17,552.7
-22,760.4
16,787.3
38,745.4
18,687.5
157.7
17,539.7
15,825.9
22,614.1
Increase/(Decrease) in Valuable Papers Issued
-997.8
838.5
1,721.0
4,774.2
-1,083.5
789.7
3,290.5
—
5,140.2
Increase/(Decrease) in Funds Received from Government and Institutions
-3.7
56.1
1.1
37.9
24.5
85.9
31.5
-37.3
45.8
Increase/(Decrease) in Derivatives and Other Financial Liabilities
—
—
—
—
—
—
—
11,038.2
92.0
Increase/(Decrease) in Other Operating Liabilities
466.6
-1,007.8
1,014.7
-203.0
1,083.2
157.7
21,555.7
-12,399.3
-8,335.0
Payments from Reserves
-8.5
-36.7
-9.7
-209.3
-149.1
-1.7
-407.0
-164.9
-290.4
Net Cash Flows from Operating Activities
-58,545.4
57,606.8
11,877.9
27,495.8
-4,502.5
21,086.6
-9,834.8
14,133.5
12,980.0
Purchase of Fixed Assets
-136.4
-362.4
-176.3
-199.6
-187.8
-384.7
-211.7
-221.9
-197.6
Receipts from Disposal of Fixed Assets
—
1.0
57.9
1.5
81.1
1.0
1.3
0.6
0.1
Dividends and Profit Received
8.3
7.0
3.8
9.4
—
0.9
3.4
0.4
—
Net Cash Flows from Investing Activities
-128.1
-354.4
-114.6
-188.6
-106.7
-382.8
-206.7
-220.9
-197.5
Receipts from Issue of Valuable Papers and Other Long-term Borrowings
—
49.5
69.3
219.5
170.7
635.6
1,174.0
—
—
Dividends Paid and Profits Distributed to Owners
—
—
—
—
—
-0.0
0.0
-0.0
—
Net Cash Flows from Financing Activities
-24.4
-432.8
499.4
-2,247.2
-1,638.3
1,257.1
-448.6
36.2
-2,303.9
Net Cash Flows during the Period
-58,697.9
56,819.5
12,262.7
25,059.9
-6,247.4
21,960.9
-10,490.2
13,948.8
10,478.6
Cash and Cash Equivalents at Beginning of the Period
194,472.6
137,734.5
125,490.5
100,235.2
106,493.1
84,438.7
94,927.5
81,052.0
70,507.7
Exchange Difference due to Re-valuation of Ending Balances